The claim settlement of "Double Epidemic Prevention Insurance" (epidemic prevention insurance + vaccine insurance) officially exceeded 100 billion yuan, with an amount of 107.04 billion yuan, 19.3 times the premium income of 5.54 billion yuan.

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[Reporter Wang Menglun/Taipei Report] The domestic epidemic situation continues to heat up. According to the latest statistics released by the Financial Supervisory Commission today (20th), as of September 26th this year, the claims for "epidemic prevention and dual insurance" (epidemic prevention insurance + vaccine insurance) officially exceeded 1,000. 107.04 billion yuan, which is 19.3 times the premium income (5.54 billion yuan); in addition, in terms of epidemic prevention insurance alone, the number of claims reached 2.191 million, accounting for 45.1% of the total number of insured cases. In other words, the sales of epidemic prevention this year Among the insurances, nearly 1 claim is filed for an average of 2.

The "Double Anti-epidemic Insurance" policy is in addition to the anti-epidemic insurance, plus vaccine insurance.

Vaccine insurance belongs to a "broad-scoped epidemic prevention policy", because its claims cover, in addition to vaccine adverse event compensation insurance, also includes claims within 180 days of vaccination, as well as out-of-pocket hospital medical insurance.

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First of all, in terms of the "claim amount", since last Monday (9/19) a total of 98.86 billion yuan of "epidemic prevention and dual insurance" claims had been settled, this Monday (9/26) claims increased to 107.04 billion yuan, of which, the largest The bulk of the epidemic prevention insurance is 84.1 billion yuan, and the vaccine insurance claims are 22.94 billion yuan, which puts the property insurance industry under strong financial expenditure pressure.

Secondly, in terms of the "number of claims", the "double insurance against epidemics" has settled 2.744 million claims since the beginning of this year, with a claim ratio of 37.7%; among them, 2.191 million cases were covered by epidemic prevention insurance, with a claim ratio of 45.1%; Compared with the actual diagnosis rate in China, the cumulative number of confirmed cases is 6.325 million. Divided by the latest total population of 23.18 million in my country, the "diagnosis rate" is only 27.3%.

Due to the huge gap between the "epidemic prevention insurance claims ratio" and the "diagnosis rate", some property and casualty insurance companies have questioned, and moral hazard problems may have arisen; Diagnosed”, only those who are isolated but not diagnosed can also apply for premiums.

Since the claims ratio of epidemic prevention insurance last Monday was only 42.9%, it increased to 45.1% in just 7 days. Therefore, property insurance industry estimates that in mid-October, the claims ratio of epidemic prevention insurance will officially exceed 50%.

The Financial Supervisory Commission also announced the capital increase of the domestic property and casualty insurance industry. Among them, Cathay Century Property Insurance applied for a capital increase of 10 billion yuan, CITIC Industrial applied for a capital increase twice, with a total amount of 9 billion yuan, Fubon Industrial increased its capital by 15 billion yuan, and Xinan Tokyo increased its capital by 147 yuan. 100 million yuan, and the total amount of application for capital increase is 48.7 billion yuan.

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